Pioneer Bancorp Inc Cash Flow Quality Index
Pioneer Bancorp Inc cash flow quality index. Pioneer Bancorp Inc (PBFS) has a Cash Flow Quality Index of 0.90x as of September 2025. Operating cash flow of $3.90 Million is below net income of $4.33 Million, suggesting accrual-heavy earnings not yet converted to cash. See Pioneer Bancorp Inc financial flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Pioneer Bancorp Inc (2017–2025)
Cash flow quality index of Pioneer Bancorp Inc from 2017 to 2025. Historical Cash Flow Quality Index for Pioneer Bancorp Inc across 9 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore Pioneer Bancorp Inc debt service capacity to assess how comfortably operating cash covers total debt obligations.
Pioneer Bancorp Inc Cash Flow Quality Index by Year (2017–2025)
Pioneer Bancorp Inc cash flow quality index by year from 2017 to 2025. Year-by-year earnings quality comparison for Pioneer Bancorp Inc. For the full cash flow conversion analysis, see Pioneer Bancorp Inc (PBFS) cash flow conversion.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.76x | $33.71 Million | $19.20 Million | ▲ +12.3% |
| 2024 | 1.56x | $23.85 Million | $15.26 Million | ▲ +30.6% |
| 2023 | 1.20x | $26.27 Million | $21.95 Million | ▼ -75.4% |
| 2022 | 4.86x | $49.97 Million | $10.28 Million | ▼ -84.0% |
| 2021 | 30.32x | $32.65 Million | $1.08 Million | ▲ +7682.5% |
| 2020 | 0.39x | $2.02 Million | $5.20 Million | ▼ -53.5% |
| 2019 | 0.84x | $6.13 Million | $7.31 Million | ▼ -58.1% |
| 2018 | 2.00x | $23.00 Million | $11.50 Million | ▼ -5.1% |
| 2017 | 2.11x | $11.87 Million | $5.63 Million | — |